Western Rates and Terms - Western Federal Credit Union

Rates and terms quoted below are subject to change without notice and are effective as of July 30, 2010.

Savings and Checking	Minimum To Open	Dividend Rate	APY*
Primary Savings**	$5	0.25%	0.25%
Club Account***	$5	0.50%	0.50%
FREE Checking	$25	0.00%	0.00%
Right Start Checking	$25	0.00%	0.00%
eChecking**³	$25	0.25%	0.25%
Premier Checking**	$2,000	0.25%	0.25%

Money Market Account¹	Minimum To Open	Dividend Rate	APY*
$100,000 +	$100,000	1.25%	1.26%
$50,000-$99,999	$50,000	0.85%	0.85%
$10,000-$49,999	$10,000	0.65%	0.65%
$2,500-$9,999	$2,500	0.50%	0.50%

IRA Savings (Traditional, Roth, and Coverdell)	Minimum To Open	Dividend Rate	APY*
IRA Savings Account	$5	0.50%	0.50%

Share Certificates²	Dividend Rate	APY*	Dividend Rate	APY*	Dividend Rate	APY*
	$100,000 Minimum		$40,000 Minimum		$1,000 Minimum
60 Month	2.70%	2.73%	2.65%	2.68%	2.60%	2.63%
48 Month	2.47%	2.50%	2.42%	2.45%	2.28%	2.30%
36 Month	2.29%	2.31%	2.14%	2.16%	2.04%	2.06%
24 Month	1.68%	1.69%	1.63%	1.64%	1.58%	1.59%
12 Month	1.09%	1.10%	1.04%	1.04%	1.00%	1.00%
6 Month	0.83%	0.83%	0.78%	0.78%	0.73%	0.73%
3 Month	0.41%	0.41%	0.36%	0.36%	0.31%	0.31%

IRAs (Traditional, Roth and Coverdell Share Certificates²)	Dividend Rate	APY*	Dividend Rate	APY*	Dividend Rate	APY*
	$100,000 Minimum		$40,000 Minimum		$1,000 Minimum
60 Month Fixed	2.70%	2.73%	2.65%	2.68%	2.60%	2.63%
48 Month Fixed	2.47%	2.50%	2.42%	2.45%	2.28%	2.30%
36 Month Variable	0.52%	0.52%	0.52%	0.52%	0.52%	0.52%
36 Month Fixed	2.29%	2.31%	2.14%	2.16%	2.04%	2.06%
24 Month Fixed	1.68%	1.69%	1.63%	1.64%	1.58%	1.59%
18 Month Variable	0.42%	0.42%	0.42%	0.42%	0.42%	0.42%
12 Month Fixed	1.09%	1.10%	1.04%	1.04%	1.00%	1.00%

Current rate for the discontinued Premier Money Market Account is 1.25% with an APY* of 1.26%.

* APY = Annual Percentage Yield.

** Fees may reduce earnings on account.

*** $10,000 Maximum; Funds automatically transferred to Primary Savings account upon maturity; Dividends compounded monthly.

¹ Balances less than $2,500 will earn Regular Savings rate.

² Substantial penalty for early withdrawal.

³ Minimum average daily balance to earn dividends is $1000.

Dividends paid monthly. Please refer to our "Truth In Savings and Electronic Services Disclosure and Agreement" for specific details about any account.